Agreement review
We check pre-contract information, total cost, annual percentage rate, fees, penalties, unilateral changes and how the obligations were explained.
Lawyer for abusive credit terms in Moldova
Review of consumer-credit agreements, interest, fees, penalties and potentially unfair terms involving banks and non-bank lenders.
Request a consultation ↗Records to keep
The agreement and schedules, repayment plan, statements, receipts, notices, relevant advertising and correspondence with the lender.
Complaint and challenge
Depending on the lender and issue, options may include a prior complaint, a submission to the CNPF and court proceedings. Whether a term is unfair and its consequences require review of the documents and applicable law.
Practical points for your situation
When the lender’s calculation needs review
A balance that rises despite payments, unexplained fees or a demand for early repayment warrants a document review. The borrowed principal should be separated from interest, penalties and other charges, then compared with the agreement, payment history and rules applicable to the particular relationship.
Original loan, refinancing or assignment
Explain whether the loan was refinanced, amendments were signed or another entity now demands payment. A complete file includes the contractual history, not merely the latest demand. The review must establish who claims payment, in what capacity and for which period.
Preparing a payment record
Arrange transfers and receipts chronologically, showing the date, amount and purpose of each payment. Keep messages about deferrals, restructuring and statements made by the lender. Screenshots from an application can help, but do not replace available contracts and account statements.
What a request can seek
The objective may be an explanation of the balance, a corrected calculation, review of a disputed clause or negotiation of an affordable schedule. Identify the contested amounts and supporting documents. The choice between a complaint, negotiation and proceedings depends on the documents and the stage of recovery.
If enforcement has started
Disclose any court or enforcement documents promptly and record when they were received. Discussions with a lender should not be treated as automatically suspending deadlines. Disagreement with a fee does not establish that the entire debt has disappeared; the consequences require individual assessment.
Preparing for the first discussion
When arranging an appointment, briefly describe the issue, intended result and any approaching deadline. Prepare a timeline and a list of available and missing documents. Send sensitive records only after agreeing a communication channel. The consultation should clarify options, risks and steps requiring further evidence. Document preparation, representation and related expenses depend on the agreed scope of engagement; making an appointment should not be assumed to include all these services.